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Grand Timber Bank

IDRSSD: 918356
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
72
/ 100
StableAs of 2025-Q2QoQ 0

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #918356 2025-Q2 Vital Signs Score: 72/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Watch
Securities:Strong
Capitalization:Strong
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.8% (Adjusted NPL + Performing Mods denominator).
  2. watch
    Loans / Deposits above 100%
    Liquidity — Loans/Deposits 107.1% (threshold 100%).
  3. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.52% of assets (threshold 3%).

What changed this quarter

Compared to Q1 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -3
  • Securities
    — —
  • Capitalization
    ↓ -5
  • Asset Quality
    ↑ +12
  • Reserves
    ↓ -7

The five pillars

Liquidity

WatchQoQ -3
60
Sub-score

Liquidity is deteriorating: brokered 4.5%, loans/deposits 107.1%, cash 1.5% of assets.

Cash / Assets
1.52%
Loans / Deposits
107.06%
Brokered %
4.48%

Watch Items

  • watchLoans / Deposits above 100% — Loans/Deposits 107.1% (threshold 100%).
  • watchCash / Assets below 3% — Cash 1.52% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 3.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
3.02%
No watch items at this period.

Capitalization

StrongQoQ -5
91
Sub-score

Capital position is strong: Tier 1 RBC 13.18%, CET1 13.18%, leverage 10.54%.

Tier 1 RBC
13.18%
CET1
13.18%
Leverage
10.54%
No watch items at this period.

Asset Quality

StableQoQ +12
73
Sub-score

Asset quality is stable: Adjusted NPL 2.73%, Texas Ratio 20.5%, NCO YTD 0.07%.

Adjusted NPL
2.73%
Govt-guarantees stripped
Texas Ratio
20.5%
NCO YTD
0.07%
30-89 PD
1.23%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.73% (govt-guarantees stripped).

Reserves

RiskQoQ -7
29
Sub-score

Reserves are weak: ALLL 1.31% of loans, coverage 48.8%, true coverage 33.8%.

ALLL / Loans
1.31%
Coverage
48.8%
True Loss Coverage
33.8%

Watch Items

  • infoALLL / NPL below 50% — Coverage 48.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.8% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-12 21:12:04 UTC